Deposit Services Specialist - Digital Banking

Job Details

Job Location:

Poplar Bluff Oak Grove Branch - Poplar Bluff, MO 63901
Position Type:
Full Time

The Deposit Service Specialist is responsible for performing a wide range of deposit operations duties with a focus on accuracy, compliance, and service excellence. This position ensures timely and precise processing of deposit-related transactions, supports internal and external customers with professionalism, and contributes to ongoing process improvement and risk mitigation across the department.

• Process deposit-related transactions including ACH, wire transfers, bill payments, mobile deposits, and recurring transactions with accuracy and timeliness.
• Reconcile daily activity, minimize exceptions, and identify irregularities or potentially fraudulent behavior.
• Build and maintain detailed documentation for fraud investigations and exception cases.

• Adhere to all applicable regulatory and internal policy requirements, including NACHA, Regulation E, Regulation CC, and BSA.
• Stay informed of regulatory changes and ensure daily practices reflect current standards.
• Proactively identify operational risks, escalate anomalies, and maintain auditable records to support compliance and internal control objectives.

• Support efforts to enhance processes, reduce errors, and improve efficiency.
• Offer constructive feedback to leadership on process gaps, automation opportunities, and workflow enhancements.
• Adapt quickly to policy, system, or procedural changes, and demonstrate agility in addressing emerging fraud trends.

• Maintain a working knowledge of all Deposit Services functions to ensure effective coverage and collaboration.
• Understand the broader objectives and interdependencies of related functions across the department.

• Provide prompt, courteous, and professional assistance to branches, customers, and internal teams.
• Prioritize inquiries effectively and expedite urgent or high-risk issues—such as fraud alerts or system outages—to leadership.
• Deliver precise and complete information, verifying all details prior to response.
• Maintain confidentiality of customer and bank information at all times.
• Record all interactions accurately and in compliance with departmental procedures.

• Actively participate in daily huddles and team updates.
• Partner with branch teams, Treasury, IT, and Risk to resolve issues efficiently.
• Provide constructive feedback to leadership on recurring issues, vendor performance, and process inefficiencies.
• Communicate fraud trends, control gaps, and improvement opportunities clearly and solutions‑oriented.
• Contribute to a positive, inclusive, and team‑oriented culture, supporting and encouraging colleagues.

• Excellent attention to detail and ability to maintain accuracy under time constraints.
• Proficient in Microsoft Office applications and core banking systems.
• Strong communication and problem‑solving skills.
• Ability to manage multiple priorities in a fast‑paced environment.
• Proficiency in computer applications and ability to operate standard office equipment.
• Strong organizational skills with the ability to prioritize competing deadlines, manage escalations, and balance multiple projects.
• Excellent customer service skills with a focus on responsiveness, accuracy, and professionalism.
• Ability to remain adaptable and resilient to all situations with an optimistic outlook in alignment with the Bank’s culture and core values.

• High school diploma or equivalent.
• 1–3 years of experience in deposit operations, electronic banking, or related financial services preferred.

• Adaptability – Maintain effectiveness when experiencing major changes in work responsibilities or environment.
• Applied Learning – Assimilate and apply new job‑related information in a timely manner.
• Quality Orientation – Accomplish tasks by considering all areas involved, accurately checking processes and tasks, and maintaining vigilance over time.